I just bought a new Kenworth mechanics truck and the dealer financing was unbeatable. What actually happened was Palmer Kenworth of Indiana matched the paccar financial deal with there in house financing, they do this with for low risk borrowers. The flexibility wasn't great but I didn't ask for any. My dads company buys a couple new pieces a year and the dealer financing for new is not beatable. For used they've used cat financial for purchases at Ritchie bros they were financing 100% of purchase price at 2.9%, that's amazing borrowing! My suggestion would be not to bother with your bank they are usually not good at this kind of lending will take a couple of weeks to decide and will want a personal guarantee, and it will cost a bit more than the typical heavy equipment lenders...TIO